HELP! Encumbered CR

[dr. d]

Yung balak kong bilin na AUV, naka encumbered din, pero may document ng full payment, pero walang release ng mortgage...
He is willing to less 5K para ako na mag-asikaso ng release... Asking lang kung mahihirapan ako sa deal?

it's a buyer's market out there!
buy a vehicle whose legal owner is also the seller.
it will save you some legwork and some cash.

and to re-iterate my advice to the potential buyer of used car for personal use: "don't rush. the next one might just be better than the one that got away".